Investor intel & insights

Informed Investor. Be one.

It matters to us that you make solid decisions about your financial life and the people to whom you will entrust your money, so we wrote this Informed Investor Guide. It’s a basic 101 on investment options. Have a question we haven’t answered? Want to talk more about how we can help? Contact us.

Managing your money : why you can’t ignore it

You have a pretty good idea that this is an area of some significance to your life. Like everyone else, you’d like to retire some day. Or if you’re already retired, you’d like to think that your money will outlast you.

It starts with saving, of course. You have to do it. But unless you are saving a small fortune each year, you have to grow the money you’ve saved. That’s how wealth is accumulated in sufficient amounts to make retirement possible.

Investing can seem a mysterious and intimidating discipline

The moment you step into the world of investment, you are taking on twin burdens: decision-making and risk. What should you do and who can you trust to help you do it? And how much risk are you willing to take with the money you’ve saved?

Strategy, confidence, consistency : critical to success

These three elements, taken together, have significant impact on long-term performance of an investment portfolio. You begin with a well-conceived strategy in which you have sufficient confidence that you are willing to apply it with consistency.

No strategy, no matter how brilliant, is going to outperform the market every day, or even every year, but if you abandon it at the first sign of trouble, you are guaranteeing that it will fail for you.

All three elements work together. In order to stick to a strategy, you need confidence. To have confidence, you need to believe that the strategy you’ve chosen is both well thought out—and well executed.

The options: from do-it-yourself to financial planners

What’s the best way for you to achieve strategy, confidence and consistency? The answer will be different for everyone—it will depend on your risk tolerance, your interest in investing, your relationship with your financial professional.

It will also help to understand the options available in today’s money management industry. Below, we’ve described the most widely available options, and described for each the personal considerations you should take into account.

Always check professional credentials. A common question you’ll want to ask about all of these choices is how each professional gets paid, and how that payment structure might impact that person’s advice.

We are happy to discuss these choices with you at any time. Contact us.

General Questions

Investment Management Firms (Portfolio Management)
Financial Planners
Financial Service Companies

Why it’s time to move beyond the passive vs. active investment discussion.

The discussion around active portfolio management and passive management is an ongoing one. But we prefer to shift the discussion in the direction of proactive investment management. Let us explain: An active approach selects specific investments based on an assessment of their worth and the opportunity to outperform indexes. A passive approach eschews the risks and rewards of higher investment returns in favor of passively matching benchmark index returns be they positive or negative.

Call us at 585-586-1731 or contact us to set up an exploratory consultation.